In an effort to help you understand why it is wrong for HSBC, HFC, Citibank, Bank of America, Capital One and all the others to vilify debtors when they can’t pay the bills, it is important to understand that money problems are not about the money, they are about the underlying issues.

In every country and all the time the argument about consumers should only seek help for financial help from groups that don’t charge a fee, is crap.